【摘要】：隨著我國(guó)信用體系的建立和信用卡支付環(huán)境的形成正逐步趨于成熟,國(guó)內(nèi)商業(yè)銀行信用卡業(yè)務(wù)發(fā)展迅速。銀行信用卡的使用數(shù)量、使用人群以及環(huán)境都有了顯著的發(fā)展和進(jìn)步。中國(guó)建設(shè)銀行的信用卡業(yè)務(wù)在國(guó)內(nèi)信用卡市場(chǎng)占據(jù)了較大份額,由于建行信用卡在使用中的量越來(lái)越大,所以就出現(xiàn)了建設(shè)銀行信用卡貸款量的大幅度提升,這樣就導(dǎo)致了建行信用卡的風(fēng)險(xiǎn)度也在急劇的上升,在信用卡的風(fēng)險(xiǎn)種類(lèi)中,欺詐風(fēng)險(xiǎn)顯得尤其突出和顯著,并表現(xiàn)出了新的方式和手段,這對(duì)銀行和信用卡使用者都是一個(gè)很大的威脅,這樣不利于建設(shè)銀行信用卡的良性發(fā)展,如何才能使得建行信用卡業(yè)務(wù)獲得良好的成長(zhǎng)環(huán)境,不僅是建行工作人員應(yīng)該研究的問(wèn)題,同時(shí)也是每一個(gè)銀行都要思考的問(wèn)題。 本篇論文,以提升建設(shè)銀行信用卡業(yè)務(wù)中對(duì)欺詐風(fēng)險(xiǎn)的防控能力為目的,對(duì)信用卡的發(fā)展歷史以及中國(guó)建設(shè)銀行信用卡業(yè)務(wù)發(fā)展的現(xiàn)狀等進(jìn)行分析,同時(shí)對(duì)建設(shè)銀行信用卡業(yè)務(wù)中存在的欺詐風(fēng)險(xiǎn)的種類(lèi)進(jìn)行分析和研究,結(jié)合目前我國(guó)建設(shè)銀行信用卡的發(fā)展現(xiàn)狀、欺詐風(fēng)險(xiǎn)的識(shí)別方法、欺詐風(fēng)險(xiǎn)識(shí)別存在的問(wèn)題以及原因進(jìn)行分析,最后提出提升建設(shè)銀行信用卡欺詐風(fēng)險(xiǎn)防控能力的改進(jìn)和建議措施。本文對(duì)建設(shè)銀行信用卡業(yè)務(wù)面臨的欺詐風(fēng)險(xiǎn)進(jìn)行研究,主要是能夠在理論與實(shí)際應(yīng)用中有所裨益,有利于建設(shè)銀行信用卡業(yè)務(wù)中欺詐風(fēng)險(xiǎn)的識(shí)別,同時(shí)也對(duì)建設(shè)銀行信用卡的發(fā)展提供一些建議和借鑒。
[Abstract]:With the establishment of China's credit system and the formation of credit card payment environment, the credit card business of domestic commercial banks is developing rapidly. The number of bank credit cards, the number of people who use them and the environment have improved significantly. The credit card business of China Construction Bank has occupied a large share of the domestic credit card market. As the amount of credit card in use of CCB is increasing, the credit card loan volume of CCB has increased by a large margin. This led to a sharp rise in the credit card risk of CCB. Among the types of credit card risks, the risk of fraud was particularly prominent and significant, and showed new ways and means. This is a great threat to both banks and credit card users. This is not conducive to the sound development of China Construction Bank's credit cards. How can we make CCB's credit card business a good growth environment? Not only should CCB staff study the problem, but also every bank should think about it. This paper aims at improving the ability to prevent and control fraud risk in credit card business of China Construction Bank, and analyzes the history of credit card development and the current situation of credit card business development of China Construction Bank. At the same time, it analyzes and studies the types of fraud risk existing in credit card business of China Construction Bank, combining with the current development situation of credit card of China Construction Bank, the identification method of fraud risk. The problems and causes of fraud risk identification are analyzed. Finally, the improvement of credit card fraud risk prevention and control ability of China Construction Bank is put forward. In this paper, the fraud risk of credit card business in China Construction Bank is studied, which can be used in theory and practice, which is beneficial to the identification of fraud risk in credit card business of China Construction Bank. At the same time, it also provides some advice and reference to the development of China Construction Bank credit card.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2

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本文編號(hào)：2318171